个人收款码可“0费用不换码”升级 Personal collection code can be upgraded for free

2月22日，中国支付清算协会发布《关于优化条码支付服务的公告》，支付宝回应表示，2022年3月1日之后，支付宝的个人收款码可继续使用，也可继续享受现有的包括提现免费在内的一系列服务。同时，支付宝的个人收款码可升级“个人经营收款码”。微信支付也发布公告表示，2022年3月1日之后，个人收款码可以继续使用。

On February 22, the China Payment and Clearing Association issued the "Announcement on Optimizing Barcode Payment Services", Alipay responded that after March 1, 2022, Alipay's personal collection code can continue to be used, and you can continue to enjoy the existing A series of services including free cash withdrawal. At the same time, Alipay's personal collection code can be upgraded to "personal business collection code". WeChat Pay also announced that after March 1, 2022, personal collection codes can continue to be used.

据支付宝公告，自2022年3月1日起，支付宝的个人收款码升级“个人经营收款码”升级过程完全免费。升级后，原有的收钱免费、提现免费等权益将继续享有，还将会享有更高的“敢收敢赔”保障额度等权益。

According to Alipay's announcement, from March 1, 2022, Alipay's personal collection code upgrade "personal business collection code" upgrade process is completely free. After the upgrade, the original rights such as free money collection and free cash withdrawal will continue to be enjoyed, and will also enjoy higher rights and interests such as the "dare to receive and dare to pay" guarantee limit.

支付宝方面表示：“在尊重用户选择的前提下，提供个人收款码升级服务。同时，用户原有个人收款码不停用、不关闭、功能不变。用户如果希望升级，也可在商家服务首页相关入口提交申请，升级完成后可享受同等待遇。”

Alipay said: "On the premise of respecting the user's choice, the personal collection code upgrade service is provided. At the same time, the user's original personal collection code will not be used, closed, and the function will remain unchanged. If users want to upgrade, they can also upgrade at the merchant. Submit an application at the relevant entrance on the service homepage, and you can enjoy the same treatment after the upgrade is completed.”

使用个人经营收款码会增加成本吗？ Will using a personal business receipt code increase the cost?

在去年10月的通知发布后，人民银行有关人士就明确提出，要制定配套服务解决方案，确保服务成本不升、服务质量不降。

After the announcement in October last year, the relevant people of the People's Bank of China clearly proposed to formulate supporting service solutions to ensure that service costs do not rise and service quality does not decline.

此次支付协会公告提出，服务不减、体验不变，赋码过程免费。对此，支付宝表示，升级过程完全免费 ；微信支付提出，用户可免费领取物料码牌。

The announcement of the Payment Association proposed that the service will not be reduced, the experience will remain unchanged, and the coding process will be free. In this regard, Alipay said that the upgrade process is completely free; WeChat Pay proposed that users can receive material code plates for free.

支付协会有关负责人介绍，充分考虑流动摊贩等客户的实际情况，对申请个人经营收款码的小微商户、个人经营者，按照“就低不就高”原则，参考个人收款码标准收费，减少商家财务成本。

According to the relevant person in charge of the Payment Association, the actual situation of mobile vendors and other customers is fully considered. For small and micro merchants and inpidual operators who apply for a personal business collection code, they will be charged according to the principle of "low is not high" and refer to the standard of personal collection code. , reduce business financial costs.

有人担心，申请个人经营收款码手续烦琐。支付协会有关负责人介绍，支付机构将按照最少、必要原则精简提交的材料，并主要通过在线方式提交。有的个人商户仅需要提供个人信息、店铺头像或摊位照片即可。

Some people worry that the procedures for applying for a personal business receipt code are cumbersome. According to the relevant person in charge of the payment association, the payment institution will simplify the submitted materials according to the principle of least and necessary, and submit them mainly through online means. Some inpidual merchants only need to provide personal information, store avatar or booth photos.

可见，监管部门要求个人收款码升级经营码，更多是从税务监管和防范洗钱方面考虑。

It can be seen that the regulatory authorities require the personal collection code to upgrade the business code, which is more from the aspects of tax supervision and prevention of money laundering.

“存取5万元以上须登记”办法暂缓实施 The "Registration for deposits and withdrawals of 50,000 yuan" is temporarily suspended

2月21日，中国人民银行官网发布信息：原定2022年3月1日起施行的《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》（中国人民银行 银保监会 证监会令〔2022〕第1号）因技术原因暂缓施行。相关业务按原规定办理。

On February 21, the official website of the People's Bank of China released information: The "Administrative Measures for Financial Institutions' Customer Due Diligence and the Preservation of Customer Identity Information and Transaction Records" originally scheduled to be implemented on March 1, 2022 (Order of the People's Bank of China, China Banking and Insurance Regulatory Commission, and China Securities Regulatory Commission [ 2022] No. 1) is suspended due to technical reasons. Relevant business shall be handled in accordance with the original regulations.

消息一出，网民们纷纷好奇，刚刚才看完科技感十足的冬奥闭幕式，以中国现在的技术水平，还会难在这么一个“技术”上面？

As soon as the news came out, netizens were curious. They just watched the closing ceremony of the Winter Olympics with a strong sense of technology. With the current level of technology in China, would it still be difficult for such a "technology"?

真的是技术原因吗？ Is it really a technical reason?

明眼人一看就知道，“技术问题”只是说辞，我国运行反洗钱系统多年，说人民银行的系统不支持登记上报功能，这是不可能的，毕竟以前面对大额的现金交易也要排查和登记上报，现在只是把门槛降低为5万元，完全不可能是技术问题。

Sober people can see at a glance that "technical problems" are just rhetoric. Our country has been running an anti-money laundering system for many years. It is impossible to say that the system of the People's Bank of China does not support the function of registration and reporting. After all, it was necessary to face large cash transactions before. For investigation and registration, the threshold is now only lowered to 50,000 yuan, which cannot be a technical problem at all.

具体的原因我们也不便猜测，但5万元的门槛确实定得有点低，对于频繁做小额生意，但交易又不能暴露在阳光之下的，估计是“理由”不够用。也许人民银行及下属部门，还要研究一下，对这项政策具体的执行力度，“放水养鱼”才是上策。

It is not convenient for us to guess the specific reasons, but the threshold of 50,000 yuan is indeed set a little low. For those who frequently do small business but cannot expose the transaction to the sun, it is estimated that the "reason" is not enough. Perhaps the People's Bank of China and its subordinate departments need to study, and for the specific implementation of this policy, "releasing water and raising fish" is the best policy.

最近有两项影响现金交易的措施，一是支付宝和微信纷纷表态，个人收款码可以“0费用不换码”升级，而且承诺手续简便易行。二是人民银行官网发出通告，以“技术”原因暂缓“存取5万元以上须登记”办法的执行。

There have been two measures affecting cash transactions recently. One is that Alipay and WeChat have stated that personal collection codes can be upgraded with "0 fee and no code change", and they promise that the procedures are simple and easy to implement. Second, the official website of the People's Bank of China issued a notice to suspend the implementation of the "registration required for deposits and withdrawals of more than 50,000 yuan" for "technical" reasons.

无论如何，我们认为政府对现金交易的监管力度会逐步加大，对于那些粗暴的避税行为，操作的空间是越来越少了。

In any case, we believe that the government's supervision of cash transactions will gradually increase, and there will be less and less room for those rude tax avoidance behaviors.